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Email this6:16 am
September 30, 2017
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Found rates delightfully competitive 
1Y 3.29%
2Y 3.65%
3Y 3.83%
9:18 am
January 12, 2019
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" Live Long, Healthy ... And Prosper! "
10:47 am
September 11, 2013
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TDDI been doing this for a while now. Today the highest 3rd party issuers TDDI makes available are at 3.28% (1 year term) so via TDDI channel TD group GICs are offered at 3.29%.
5:08 am
January 1, 2018
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hwyc said
Found rates delightfully competitive1Y 3.29%
2Y 3.65%
3Y 3.83%
Noticed this last week, as I was late with TFSA contributions this year, and looking around for best GIC Options; easy decision to pump $7K for both wife and myself into that 3yr term.
11:59 am
December 9, 2018
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Interesting that the three year rate is 2.75% if bought directly from TD bank. Nice thing about using TDDI is that they will give you a higher rate to stay competitive. Even the one year rate is only 2.70%.
12:11 pm
September 30, 2017
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The 3Y 3.83% rate didn't stay long.
It is down to 3.78% today
1:20 pm
January 12, 2019
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Fear Not, Hwyc
I check those rates regularly ... they fluctuate ⬆️&⬇️ quite often.
Check back again next week.
-
Dean
" Live Long, Healthy ... And Prosper! "
12:00 pm
January 12, 2019
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hwyc said
Found rates delightfully competitive
1Y 3.29%
2Y 3.65%
3Y 3.83%
TDDI GIC rates, as of Today . . .
-
1Y 3.44%
2Y 3.74%
3Y 3.85%
4Y 3.85%
5Y 4.00%
.
'Very' competitive with the The Best❗
- Dean
" Live Long, Healthy ... And Prosper! "
7:41 am
September 11, 2013
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Even better if it's new money and you are enrolled in their current new money offer.
Just be careful if you're moving it to TDDI from your TD bank account, it won't be considered new money unless you provide them a screen shot of the money coming from outside TD group into your TD bank account before it was then transferred to TDDI.
11:22 am
March 17, 2018
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Bill said
Even better if it's new money and you are enrolled in their current new money offer.Just be careful if you're moving it to TDDI from your TD bank account, it won't be considered new money unless you provide them a screen shot of the money coming from outside TD group into your TD bank account before it was then transferred to TDDI.
Probably the best strategy is to bill pay from your outside FI directly into your TDDI
11:42 am
September 11, 2013
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What's the maximum for pay bills? Is it feasible to use, say, Tangerine bill pay to move $100K to TDDI?
And TDDI's site doesn't mention pay bills as an option. It does allow interac e-tranfers but isn't there a limit on those?
TDDI's site only refers to direct transfer from your TD account, not other banks, aside from setting up a recurring pre-authorized deposit (PAD).
12:02 pm
March 17, 2018
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I have an account at TD EasyTrade and have bill paid into that, but I don't know max. I have bill paid money into Scotia iTrade. But I don't have TDDI so can't test it out. If there is no bill pay function to get money into TDDI directly that is a serious deficiency, since not everyone wants to have a TD account.
12:33 pm
August 4, 2010
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Bill said
What's the maximum for pay bills? Is it feasible to use, say, Tangerine bill pay to move $100K to TDDI?And TDDI's site doesn't mention pay bills as an option. It does allow interac e-tranfers but isn't there a limit on those?
TDDI's site only refers to direct transfer from your TD account, not other banks, aside from setting up a recurring pre-authorized deposit (PAD).
I bill-paid from Tangerine to a TDDI account# a couple of years ago, it is suggested by TDDI agents, worked without issue, and the funds would count for any open transfer promotion you might be registered for.
I think Tangerine had something like a $20-$25K maximum on bill payments, that might vary by customer, and I'm not sure if that is per day or per bill payment. But Tangerine customer service can do a larger one for you, I think.
5:24 pm
September 11, 2013
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Thank you, Briguy and NorthernRaven. If I can transfer $25K a day that would work for me, just take a few days for anything I'd want to do, I'm never in that much of a hurry.
I didn't even know about TD Easy Trade, it appears to be part of TDDI but looks very good for those who want to do basic stock trades via phone app.
5:28 pm
March 17, 2018
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Bill said
Thank you, Briguy and NorthernRaven. If I can transfer $25K a day that would work for me, just take a few days for anything I'd want to do, I'm never in that much of a hurry.I didn't even know about TD Easy Trade, it appears to be part of TDDI but looks very good for those who want to do basic stock trades via phone app.
You get 100 free trades a year on TD Easy Trade and no low balance or yearly fees. One main downside is that it's only available as a phone app, so you don't get the luxury of seeing it on a bigger screen, the other main downside is that you can only trade ETFs or stocks, not bonds or mutual funds or GICs.
2:49 pm
January 12, 2019
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Dean said
TDDI GIC rates, as of Today (May 16th, '26). . .
1Y 3.44%
2Y 3.74%
3Y 3.85%
4Y 3.85%
5Y 4.00%.
'Very' competitive with the The Best❗Dean
And now four days later (today) . . .
- 1Y 3.46%
2Y 3.76%
3Y 3.92%
4Y 3.93%
5Y 4.03%
An encouraging continued 'Creep' in the ⬆️ direction.
- Dean
" Live Long, Healthy ... And Prosper! "
7:56 am
September 30, 2017
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Got one today at 3.94% for 3 yr (vs 3.85% on our chart 🙂 )
1:49 pm
January 12, 2019
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.
Other investment brokerages must have similar high GIC rates ... No❓
- Dean
" Live Long, Healthy ... And Prosper! "
2:06 pm
August 4, 2010
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Aside from the special case of advantaging their own GICS, I suspect that issuer rates are the same all over the discount brokerage channel, although not all brokerages offer all issuers. So some issuer(s) offering at the very tippy top of the rates might not be available at some brokers.
2:11 pm
April 6, 2013
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Scotia iTRADE does. Their top rates are from Community Trust, Concentra Bank, and Equitable Bank:
| GIC's from Scotia iTRADE | ||
| 1yr | 3.51% | Community Trust |
| 2yr | 3.79% | |
| 3yr | 3.95% | |
| 4yr | 3.95% | |
| 5yr | 4.04% | Equitable Bank Concentra Bank |
